$387,500
↓ $37,400 from $424,900
Est. payment $1,716/moCalculate yours
490 Spruce Street, Centre Wellington, ON N1M 2W5
Rural Centre Wellington East, Centre Wellington, ON N1M 2W5
- 3 Beds
- 1 Baths
- 700 Sq Ft
Listing courtesy of REAL BROKER ONTARIO LTD. MLS® X13229896
About this home
Welcome to 490 Spruce Street in the highly sought-after year-round section of Maple Leaf Acres, one of Ontario’s premier four-season recreational communities on beautiful Lake Belwood. This well-maintained 3-bedroom, 1-bathroom home offers affordable year-round living with exceptionally low carrying costs, including lot fees of just $371.21/month (2026) and property taxes of only $381.47 for the entire year (2025). The open-concept living, dining and kitchen area creates a bright, connected space that’s ideal for entertaining or keeping an eye on children and grandchildren. The unique layout includes a side entrance leading directly to the den/flex space, making it ideal for a home office, hobby room, guest area, or multi-generational living arrangement. Designed for easy ownership, the home features durable metal siding and a lifetime metal roof, propane furnace, on-demand hot water system, reverse osmosis water filtration system, concrete driveway, and additional outdoor storage beneath the home as well as a large garden shed. The property is currently vacant, allowing for immediate possession and flexible showings. Life at Maple Leaf Acres feels like a permanent vacation. Residents enjoy access to an indoor saltwater pool and hot tub, outdoor swimming pool, recreation hall, seasonal restaurant, dog park, playgrounds, sports fields, walking trails, and community activities. Outdoor enthusiasts will appreciate direct access to Lake Belwood, including a private boat launch for fishing, boating, and endless summer enjoyment. Located just 10 km east of Fergus, the community offers convenient access to Guelph, Kitchener-Waterloo, Hamilton and the GTA while maintaining a peaceful resort-style atmosphere. With low monthly fees and remarkably low annual taxes, this move-in-ready home offers an affordable opportunity to enjoy year-round living in one of Ontario’s most desirable recreational communities. **Please note, some photos have been virtually staged**
Property details
Overview
- Property Type
- Modular Home
- Style
- Bungalow
- For
- For Sale
- Status
- Price Change
- Approximate Age
- 16-30
- Size
- 700 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- None
Building & Systems
- Heating
- Forced Air (Propane)
- Cooling
- Central Air
- Exterior
- Metal/Steel Siding
- Foundation
- Post & Pad
- Roof
- Metal
- Water
- Well
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 45 x 75 Feet
- Parking
- None garage · 2 total
Financial
- Property Taxes
- $381 (2025)
Location
- Neighbourhood
- Rural Centre Wellington East
- Cross Street
- Havsumfun Rd. and 5th Line
- Direction Faces
- East
Listing
- MLS® Number
- X13229896
- Days on Market
- 138
- Listed On
- 2026-06-02
- Possession
- immediate
- Listed By
- REAL BROKER ONTARIO LTD.
Rooms
Features
Interior
- On Demand Water Heater
- Primary Bedroom - Main Floor
- Water Heater Owned
- Water Treatment
Property
- Lake Access
- Park
- Rec./Commun.Centre
- Lake/Pond
- School Bus Route
Pool
- Community
- Indoor
- Outdoor
- Included
- fridge | propane stove | OTR microwave | all light fixtures | existing window coverings
- Excluded
- personal items / staging items only
- Rental items
- Propane Tanks rented from Superior Propane
Mortgage calculator
Estimated mortgage payment
$1,716 per month
- Principal and interest
- $1,716
- Property tax
- $32
- Condo fees
- $0
- Estimated monthly cost
- $1,748
Your mortgage
- Mortgage amount
- $310,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $204,730
Cash to close
- Down payment
- $77,500
- Land transfer tax
- $4,288
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $81,788
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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